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corporate lending

Pick up a prior build or spin up a brand-new run in just a few clicks. Everything stays organised in one delightful workspace.

Your builds

Builds you have saved in this workspace appear here.

Build workspace

New Build

Start a fresh configuration and add your first variable.

Variable build workspace

Give each build a unique name, choose its bureau scope, and then add as many variables as you need.

Step 1 of 3 | Create Build

Name your build

Give this variable build a unique name and description.

Build Name *

Description (optional)

Step 2 of 3 | Bureau & Scope

Select Credit Bureau

Choose the bureau data source for this build.

Credit Bureau

CIBIL

TransUnion CIBIL | India's primary bureau

Experian

Experian India bureau data

CRIF High Mark

CRIF HM microfinance & retail

Equifax

Equifax India credit data

File / Processing Type

📦

Batch

Process multiple records at once via file upload

🔍

Single FID

Real-time single customer lookup

Stage 1 | Build overview

⚠️ Trade variables are built on tradeline data - account-level. Ensure tradeline data is part of your bureau file.

👤 Account variables are point-in-time portfolio snapshots - built on current account records, not monthly history panels.

🕐 Trade History variables operate on payment history data - month-by-month DPD / balance sequences (DPD_String, Balance_History). Ensure history columns are present in your bureau file.

Type

Sub-cat

Scope

Time

Conditions

Review

Variable details - Select type

🔍

Enquiry

⇌

Trade

👤

Account

🕐

Trade History

|||

Other

Sub-category & Measure

Sub-category

Measure / Value Base

Aggregation Type

Simple

Ratio

Aggregation

Ratio Engine Type

⚖️ Simple Ratio

📊 Window-to-Window

🔀 Cross-Metric

📐 Normalized

🔄 Product-to-Product

Ratio Method

▲ Numerator Conditions

▼ Denominator Conditions

Leave denominator blank -> uses full portfolio scope as denominator.

📊 Window Ratio: Same metric at two windows - e.g. Balance(3m) / Balance(12m)

Select Metric

Numerator:

12m

Denominator:

12m

24m

🔀 Cross-Metric Ratio: Two different metrics at same window - e.g. Overdue(12m) / Balance(12m)

Numerator Metric

Denominator Metric

Window

📐 Normalized Ratio: Express a metric as a percentage of a portfolio-level benchmark

Metric to Normalize

Benchmark

Window

🔄 Product-to-Product Ratio: Compare the same metric across two loan product types

Metric

Product A (Numerator)

Product B (Denominator)

Window

Scope / Segment

Time Window

Conditions & Filters

Advanced Condition Builder (A AND B) OR (C AND D)

🔧 Filter Rule Composer

Generated Rule DSL

(no conditions)

Feature Name (auto-generated)

Review & Add Variable

Feature Tags

Deterministic Feature Name

SCHEMA JSON

Current Build 0

No variables generated yet.

Done!

⚡ History Pack Generator

Smart curated Trade History variables - select, preview, add in bulk

0 selected

All

None

⑤ Feature Preview

All

None

Select measure groups
to see count

💡 Explosion Formula

Measure Group -> constituent measures
Window Group -> per-window features
Segment Group -> per-segment variants

M × Agg × Win × Seg = Features

🏭 Group Reference

Core - balance, DPD, util, overdue, risk, recency (6)
Velocity - balance vel, risk momentum, beh. vel (3)
Behaviour - payment patterns, gap analysis (2)
Severity - DPD severity, stability indices (2)
Credit Line - limit dynamics (1)

Duplicates auto-skipped | Deduplication applied

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Create intelligence for
corporate lending